Free NAATI CCL Punjabi Mock Test 15: Family Mediation and Superannuation

I am a family dispute resolution practitioner, and my role is neutral. I do not take sides, I do not decide anything, and I cannot give either of you legal advice. You two make the decisions, not me.

Where marks go here: Neutrality is stated four separate ways here and each one is a mark. Candidates compress the lot into a warm "I am here to help you both" and lose three units, including the legal-advice disclaimer that the practitioner is professionally obliged to say.

ਮੇਰੇ ਸਾਲੇ ਨੇ ਕਿਹਾ ਸੀ ਕਿ ਵਿਚੋਲਾ ਫ਼ੈਸਲਾ ਕਰਦਾ ਹੈ ਕਿ ਬੱਚੇ ਕਿਸ ਕੋਲ ਰਹਿਣਗੇ। ਜੇ ਤੁਸੀਂ ਫ਼ੈਸਲਾ ਨਹੀਂ ਕਰਦੇ, ਤਾਂ ਫਿਰ ਕੀ ਹੋਵੇਗਾ? ਅਸੀਂ ਤਿੰਨ ਮਹੀਨੇ ਤੋਂ ਵੱਖ ਰਹਿ ਰਹੇ ਹਾਂ ਅਤੇ ਬੱਚੇ ਨੌਂ ਅਤੇ ਪੰਜ ਸਾਲ ਦੇ ਹਨ।

mere saale ne kiha si ki vichola faisla karda hai ki bachche kis kol rehnge. je tusin faisla nahin karde, tan fir ki hovega? asin tinn mahine ton vakh reh rahe haan ate bachche naun ate panj saal de han.

Where marks go here: ਸਾਲਾ is specifically the wife's brother. "My brother" or a vague "my relative" loses the relationship the assessor is listening for. The second trap is the pair of ages: nine and five are two marks, and "two young children" is zero.

Nobody here decides for you. If you cannot agree, I issue a certificate, and you must have that certificate before you can apply to the court. Everything we discuss is measured against one thing: the best interests of the children.

Where marks go here: Two structures collide in one segment. "If you cannot agree" is a condition, and "you must have that certificate before you can apply" is an obligation plus a sequence. Candidates flatten it to "you can get a certificate and go to court", which loses the condition, the must, and the ordering.

ਪਿਛਲੇ ਹਫ਼ਤੇ ਉਹਦੇ ਵਕੀਲ ਦੀ ਚਿੱਠੀ ਆਈ ਸੀ। ਜੇ ਮੈਂ ਇੱਥੇ ਕੁਝ ਕਹਿ ਦਿੱਤਾ ਜੋ ਉਹਨੂੰ ਪਸੰਦ ਨਾ ਆਵੇ, ਤਾਂ ਕੀ ਉਹਦਾ ਵਕੀਲ ਅਦਾਲਤ ਵਿੱਚ ਮੇਰੇ ਖ਼ਿਲਾਫ਼ ਵਰਤ ਸਕਦਾ ਹੈ? ਖੁੱਲ੍ਹ ਕੇ ਬੋਲਣ ਤੋਂ ਪਹਿਲਾਂ ਮੈਨੂੰ ਇਹ ਜਾਣਨਾ ਜ਼ਰੂਰੀ ਹੈ।

pichhle hafte uhde vakeel di chitthi aayi si. je main ithe kujh keh ditta jo uhnu pasand na aave, tan ki uhda vakeel adaalat vich mere khilaaf vart sakda hai? khullh ke bolan ton pahilan mainu ih jaanna zaroori hai.

Where marks go here: The letter came from her lawyer, and it is the lawyer who might use his words. Candidates make it "my wife sent me a letter" and "she can use it against me", losing the professional party twice over.

What you say here is confidential, and it generally cannot be used as evidence in court. But there is one exception. If I believe a child is at risk of harm or abuse, the law requires me to report it.

Where marks go here: This is the segment the whole dialogue is built on. Candidates soften the exception into "then maybe I would have to tell someone", which drops the legal obligation, and they also drop "generally", turning a qualified protection into an absolute promise. Two errors, both serious.

ਮੈਂ ਸਮਝ ਗਿਆ। ਪਰ ਮੈਂ ਉਹਦੇ ਨਾਲ ਇੱਕੋ ਕਮਰੇ ਵਿੱਚ ਨਹੀਂ ਬੈਠਣਾ ਚਾਹੁੰਦਾ। ਪਿਛਲੀ ਵਾਰ ਅਸੀਂ ਬੱਚਿਆਂ ਦੇ ਸਾਹਮਣੇ ਲੜ ਪਏ ਸੀ। ਕੀ ਕੋਈ ਹੋਰ ਤਰੀਕਾ ਹੈ? ਅਤੇ ਅਖ਼ੀਰ ਵਿੱਚ ਸਾਨੂੰ ਕਾਗ਼ਜ਼ ਉੱਤੇ ਕੀ ਮਿਲੇਗਾ?

main samajh gia. par main uhde naal ikko kamre vich nahin baithna chahunda. pichhli vaar asin bachchian de saahmne larh paye si. ki koi hor tareeka hai? ate akheer vich sanu kaagaz utte ki milega?

Where marks go here: "ਇੱਕੋ ਕਮਰੇ ਵਿੱਚ" is the same room, not the same house or the same table, and the argument happened in front of the children, which is why the practitioner offers separate attendance. Lose that detail and her next answer arrives unmotivated.

You may attend separately: I move between two rooms, or we use the phone. If you reach agreement, we write a parenting plan. It is signed and dated, but not legally enforceable. For that you apply for consent orders.

Where marks go here: The negative is the mark. "Signed and dated, but not legally enforceable" becomes "it is an official signed document" and the client walks out believing the opposite of what he was told. Also note the modal shift: he may attend separately, whereas the certificate earlier was a must.

ਠੀਕ ਹੈ, ਮੈਂ ਵੱਖਰੇ ਕਮਰੇ ਵਾਲਾ ਤਰੀਕਾ ਚਾਹੁੰਦਾ ਹਾਂ। ਦਸਤਖ਼ਤ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਮੈਂ ਪਲਾਨ ਲਿਖਤੀ ਰੂਪ ਵਿੱਚ ਪੜ੍ਹਨਾ ਚਾਹਾਂਗਾ। ਜੇ ਉਹ ਮੰਨ ਜਾਂਦੀ ਹੈ, ਤਾਂ ਅਗਲੀ ਮੀਟਿੰਗ ਸਤੰਬਰ ਦੇ ਪਹਿਲੇ ਹਫ਼ਤੇ ਰੱਖ ਲਵੋ। ਸ਼ੁੱਕਰਵਾਰ ਮੇਰੇ ਲਈ ਠੀਕ ਹੈ।

theek hai, main vakhre kamre vala tareeka chahunda haan. dastkhat karan ton pahilan main plan likhti roop vich parhna chahanga. je uh mann jandi hai, tan agli meeting September de pahile hafte rakh lavo. shukarvaar mere layi theek hai.

Where marks go here: Three scheduling facts sit in the last two sentences: first week of September, Friday, and the condition "if she agrees". Tired candidates render only the month. The sequencing of "before I sign" is also scoreable and routinely disappears.

Your search on myGov shows four super accounts. Every fund charges its own administration fee and insurance premium, so you are paying those costs four times over on one lifetime of savings. That is roughly six hundred dollars a year.

Where marks go here: There are two separate charges, a fee and a premium, and candidates merge them into "fees". The premium matters because it is the thread that leads to the insurance warning later; drop it now and the warning lands with no set-up.

ਮੈਨੂੰ ਪਤਾ ਹੀ ਨਹੀਂ ਸੀ। ਹਰ ਨਵੀਂ ਨੌਕਰੀ ਉੱਤੇ ਕੰਪਨੀ ਨੇ ਨਵਾਂ ਖਾਤਾ ਖੋਲ੍ਹ ਦਿੱਤਾ। ਵੱਡੇ ਖਾਤੇ ਵਿੱਚ 46,200 ਡਾਲਰ ਹਨ, ਇੱਕ ਵਿੱਚ 3,800 ਡਾਲਰ, ਅਤੇ ਇੱਕ ਵਿੱਚ ਸਿਰਫ਼ 1,150 ਡਾਲਰ। ਕੀ ਮੈਂ ਬਾਕੀ ਤਿੰਨੋਂ ਬੰਦ ਕਰ ਦੇਵਾਂ?

mainu pata hi nahin si. har navin naukri utte company ne navan khaata kholh ditta. vadde khaate vich 46,200 dollar han, ikk vich 3,800 dollar, ate ikk vich sirf 1,150 dollar. ki main baaki tinnon band kar devan?

Where marks go here: Three balances in one breath, and the two small ones are the ones candidates swap or round. $3,800 and $1,150 are separate marks, and "a couple of small accounts" scores nothing at all.

We will combine them, but first look at what is going in. Your employer must pay twelve per cent of your ordinary earnings into super. Your fund has received nothing since March, so you are about $1,900 short.

Where marks go here: Twelve per cent is an obligation, not a suggestion: "the employer should put in about twelve per cent" loses the modal. And March is the cut-off date, not the month the payments started, which candidates reverse surprisingly often.

ਮੇਰੀ ਪੇਅ ਸਲਿੱਪ ਉੱਤੇ ਤਾਂ ਸੁਪਰ ਲਿਖਿਆ ਹੁੰਦਾ ਹੈ, ਪਰ ਮੈਂ ਕਦੇ ਚੈੱਕ ਨਹੀਂ ਕੀਤਾ ਕਿ ਪੈਸਾ ਪਹੁੰਚਿਆ ਵੀ ਹੈ ਜਾਂ ਨਹੀਂ। ਮੈਂ ਸਲਿੱਪਾਂ ਲੈ ਕੇ ਆਵਾਂਗੀ। ਹੁਣ ਦੱਸੋ, ਕੀ ਮੈਂ ਬਾਕੀ ਤਿੰਨ ਖਾਤੇ ਅੱਜ ਹੀ ਬੰਦ ਕਰ ਦੇਵਾਂ?

meri pay slip utte tan super likhia hunda hai, par main kade check nahin keeta ki paisa pahunchia vi hai jaan nahin. main slippaan lai ke aavangi. hun dasso, ki main baaki tinn khaate ajj hi band kar devan?

Where marks go here: The contrast between what the payslip says and what the fund received is the whole point of her turn. Candidates render it as "my payslip is fine", which erases the complication the consultant just raised.

Please stop before you close anything. One of those accounts carries insurance inside super: life cover and total and permanent disability cover. The day you close the account, that cover is cancelled. At fifty-four, a new insurer may refuse you.

Where marks go here: This is a warning and it must sound like one. Candidates report it flatly as "there is also some insurance in those accounts" and drop the consequence entirely. The two cover types are separate marks, and "may refuse you" is a possibility, not a certainty; upgrading it to "will refuse you" is its own error.

ਮੈਨੂੰ ਪਤਾ ਹੀ ਨਹੀਂ ਸੀ ਕਿ ਮੇਰਾ ਬੀਮਾ ਹੈ। ਮੇਰੀ ਲੱਕ ਦੀਆਂ ਦੋ ਸਰਜਰੀਆਂ ਹੋ ਚੁੱਕੀਆਂ ਹਨ, ਸੋ ਨਵੀਂ ਕੰਪਨੀ ਸ਼ਾਇਦ ਮਨ੍ਹਾ ਕਰ ਦੇਵੇ। ਕਿਹੜੇ ਖਾਤੇ ਵਿੱਚ ਬੀਮਾ ਹੈ? ਕੀ ਮੈਂ ਉਹੀ ਰੱਖ ਕੇ ਬਾਕੀ ਉਸ ਵਿੱਚ ਪਾ ਸਕਦੀ ਹਾਂ?

mainu pata hi nahin si ki mera beema hai. meri lakk dian do surgeryaan ho chukkian han, so navin company shaid manhaa kar deve. kihre khaate vich beema hai? ki main uhi rakh ke baaki us vich pa sakdi haan?

Where marks go here: ਲੱਕ is the lower back, not the leg and not the neck. Two surgeries is a number the assessor ticks, and "ਸ਼ਾਇਦ" is probably, not definitely, so it has to stay hedged in English too.

Yes, keep the fund with the cover and roll the other three into it. A binding death benefit nomination must be witnessed and renewed every three years, otherwise the trustee decides who receives your money. Your preservation age is sixty.

Where marks go here: Three obligations and a consequence in one segment. The renewal period is three years, not three months, and the fallback is the trustee deciding, not the family deciding. Candidates who have never heard "binding death benefit nomination" invent "a will", which is a different document with a different effect.

ਸੋ ਮੈਂ 60 ਸਾਲ ਤੋਂ ਪਹਿਲਾਂ ਇੱਕ ਪੈਸਾ ਵੀ ਨਹੀਂ ਕੱਢ ਸਕਦੀ। ਜੇ ਮੈਂ 60 ਤੋਂ ਬਾਅਦ ਰਿਟਾਇਰ ਹੋ ਜਾਵਾਂ ਜਾਂ 65 ਸਾਲ ਦੀ ਹੋ ਜਾਵਾਂ, ਤਾਂ ਹੀ ਮਿਲੇਗਾ? ਮੈਂ ਅਗਲੇ ਹਫ਼ਤੇ ਸਲਿੱਪਾਂ ਅਤੇ ਨਾਮਜ਼ਦਗੀ ਵਾਲਾ ਫ਼ਾਰਮ ਲੈ ਕੇ ਆਵਾਂਗੀ।

so main 60 saal ton pahilan ikk paisa vi nahin kadh sakdi. je main 60 ton baad retire ho javaan jaan 65 saal di ho javaan, tan hi milega? main agle hafte slippaan ate naamzadgi vala form lai ke aavangi.

Where marks go here: Sixty and sixty-five are two different conditions and candidates average them into "when I am about sixty". She is also asking a question, not stating a fact, so the rising check "is that right?" should survive as a question in English.